SBA Loans
Whether you're just starting out, looking to expand or making major upgrades, a Small Business Administration (SBA) Loan with Ameris Bank can provide you with the financing you need to succeed. Even better, we're an SBA preferred lender.
- Loans up to $5 million
- Flexible repayment terms
- Low equity requirements
- One-on-one application assistance
Small businesses, big ideas
Big companies get most of the PR, but it's small businesses that keep America's economic engine running. That's why the federal Small Business Administration works with banks to provide business owners with loans for everything from real estate deals to equipment purchases.
- SBA Preferred Lender
- Flexible terms to improve repayment ability and preserve working capital
- Terms as long as 25 years
- Real estate loans
- Franchise lending
- Business acquisition financing
- Equipment, working capital and inventory loans
- Fast loan processing, competitive loan rates, and one-on-one service
- As low as 10% equity requirements
SBA Financing Options
Ameris Bank offers loans through two major Small Business Administration programs. This chart can help you identify which type of financing might be appropriate for your business.
| SBA 7(a) Term Loan | SBA 504 Term Loan | |
|---|---|---|
| Loan or Line of Credit | Term loan from $200,000 – $5,000,000 | Term loan from $150,000 – $6,000,000 (Maximum of $5,000,000 for public policy and $5,500,000 for small manufacturers) |
| Ideal for | For-profit businesses and experienced business owners starting a business | Businesses with a net worth of $15 million or less and average net income of greater than $5 million over the past two years |
| Benefits | Offers flexibility, longer terms, and lower down payments compared to other types of business financings | Offers long term financing for long-term fixed assets |
| Use of Funds |
|
Purchase of commercial real estate, expansion of existing operations, funds to help local economy create jobs, or purchase of machinery or equipment |
| Rate Information |
|
Fixed Rate Loan rate is set when debenture is sold |
SBA Lending Friendly Industries
- Convenience store and gas stations
- Certified public accounting firms
- Dental practices
- Hospitality industry
- Law firms
- Medical practices
- Mini-storage businesses
- Pharmacies
- Restaurants
- Veterinarians
YOUR SUCCESS IS OUR JOB
We're here to help every step of the way.
Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.